Co-operative Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Co-operative Insurance Companies Score
4.5 Stars
We award Co-operative Insurance Companies a final rating of 4.5 out of 5 stars. The insurance company is highly rated by AM Best and the Better Business Bureau (BBB). It offers several forms of coverage for businesses and individuals.
Founded in 1915, Co-operative Insurance Companies, or "Co-op," has been in the insurance industry for more than a century. The carrier originally focused on farm insurance, but, over time, has greatly expanded its catalog. Co-op sells several types of personal and business coverages, including home insurance, flood insurance, workers' comp, and auto insurance. The carrier's headquarters is in Middlebury, VT.
Customer feedback for Co-op seems to be mostly positive. The carrier offers 24/7 claims reporting and has several discounts available. Overall, we highly recommend looking into Co-operative Insurance Companies with the help of an independent insurance agent to be your next trusted carrier.
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To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Co-operative Insurance Products by Type
Co-op sells insurance for individuals and professionals. The carrier also specializes in farm insurance. Its products include the following.
Farm Insurance:
- Farm insurance
- Mini-farm insurance
- Farm umbrella insurance
Business Insurance:
Personal Insurance:
Co-operative Insurance Companies Specializes in these Industries:
Small Business
Stay protected against the costs of liability and property damage claims with reliable insurance for your small business.
Agriculture/Farm & Ranch
Protect your machinery, livestock and commercial property for your agribusiness with tailored farm & ranch insurance.
Veterinarians
Get coverage against the potential risks and vulnerabilities that you face every day with veterinarian insurance.
Restaurants
From liquor liability to commercial auto coverage, keep your restaurant protected with the right type of insurance policies.
Hospitality
Protect your clients and cover your business against food poisoning, theft and other risks with hospitality insurance.
Contractors/Construction
Get liability protection against unpredictable accidents, hazards, and bodily injuries with contractor or construction insurance.
Retailers
Get coverage against slip-and-falls, property damage, and other common risks with reliable insurance for your retail business.
Barber Shops & Beauty Shops
Avoid costly lawsuits from accidents and injuries with reliable insurance for your barber shop and/or beauty shop.
Hotels and Motels
Get coverage against mold, contaminants and other potential risks to your guests with insurance for your hotel or motel.
Self Storage Facilities
Avoid the cost of liabilities to your client's property and stay protected with insurance for your self storage business.
Co-operative Insurance Companies Personal Coverage Types:
Identity Fraud
Auto
Renters
Condo
Farm
Umbrella
Mobile Home
Earthquake
Home
Co-operative Insurance Companies Homeowners Insurance
Homeowners insurance from Co-op can help you protect your property against numerous disasters, including vandalism and lightning strikes. The coverage offered by Co-op includes core protections you can expect to find in a homeowners policy from any carrier. Co-op's home insurance policies are designed to protect jewelry and other valuables, antiques, incidental home businesses, watercraft, and recreational utility vehicles.
Coverage types, features, and benefits:
Loss of use
Co-op's loss of use coverage can pay for hotel stays, takeout meals, and more unexpected costs if you get displaced from your home due to a major disaster like a fire. Coverage is in effect as long as covered home repairs are underway.
Personal property
Co-op's personal property coverage can help pay to repair or replace your personal belongings, like clothing, if they get stolen, lost, damaged, or destroyed. Covered disasters include theft, fire, lightning, and more.
Dwelling
Co-op's dwelling coverage can help pay to rebuild or repair your home's structure if it gets damaged or destroyed by a covered peril. Covered disasters include lightning, fire, vandalism, falling objects, etc.
Liability
Co-op's liability coverage can help homeowners pay for lawsuit costs if a neighbor, guest, or another third party sues them for bodily injury or personal property damage. Attorney, court, and other legal fees are covered.
Co-operative Insurance Companies Home Insurance Average Prices
Co-operative Insurance Companies does not make its home insurance rates readily available online without asking an agent for a quote. However, an independent insurance agent can help you find specific quotes for the exact amount of home insurance you need and also compare quotes from multiple carriers for you. You can get a better idea of how much a home insurance policy might cost you by using our homeowners insurance calculator.
Co-operative Insurance Companies Auto Insurance
Co-op offers both personal and commercial auto insurance. Customers can choose to add coverage for trailers, campers, and motorhomes. The insurance company does not provide much additional information about its specific auto coverages, but you can expect to find at least the following types of coverage available to create your auto insurance policy through the carrier.
Coverage types, features, and benefits:
Liability
Auto liability coverage can help pay for property damage or bodily injury you cause third parties with your vehicle, as well as possible lawsuit costs.
Comprehensive and collision
Comprehensive auto coverage can help pay for damage caused by threats other than collision, such as theft, windshield breakage, crashes involving large animals, etc. Collision coverage reimburses for physical damage to your vehicle after an accident, whether you're at fault or not.
Uninsured/underinsured motorist
Uninsured/underinsured motorist coverage can help pay for the costs of physical damage to your vehicle or for injury treatments for you or your passengers if you get struck by another driver who lacks adequate coverage of their own.
Co-operative Insurance Companies Auto Insurance Average Prices
Co-operative Insurance Companies does not make its auto insurance rates readily available online without asking an agent for a quote. However, an independent insurance agent can help you find specific quotes for the exact amount of auto insurance you need and also compare quotes from multiple carriers. You can also get a better idea of how much an auto insurance policy might cost by using our car insurance calculator.
What Discounts Does Co-operative Insurance Companies Offer?
Co-op offers several discounts on many of its products. The carrier's auto insurance discounts include the following:
- Safety equipment discount: Awarded to customers whose vehicles come with airbags, anti-lock brakes, daytime running lights, and anti-theft devices.
- Defensive driving course discount: Awarded to auto insurance customers who complete a state-approved defensive driving course.
- Bundling discounts: Awarded to customers who bundle more than one type of coverage through Co-op, such as auto and life insurance.
An independent insurance agent can provide better discount information and premium quotes for coverage through Co-operative Insurance Companies. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
Co-operative Insurance Companies Customer Service
Here's a breakdown of Co-op's customer service options and availability:
- Phone
- Snail mail
- Contact form on website
- 24/7 phone claims reporting
Customer service department has the following hours:
| Day | Hours (EST) | ||
| Monday-Friday | 8 a.m. - 4:30 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters so you can relax and enjoy your coverage.
Connect with a Co-operative Insurance Agent Today.
Shopping for insurance? Co-operative Insurance Companies has you covered.
Co-operative Insurance FAQs
Co-op aims to follow up with customers by the next business day at 10 a.m. after a claim is reported. Claims can be reported online or by phone at any time.
Co-op is available at slightly extended hours during the week. Its claims department is available 24/7.
Co-op's official website breaks down the carrier's claims process into three simple steps:
- The claims adjuster contacts the customer to get more details about the loss.
- The claims adjuster evaluates the loss and provides an estimate for reimbursement.
- The carrier works with the customer to resolve the claim.
If customers have further questions about the claims process, they can contact the carrier directly or work with an independent insurance agent.
Co-op's official website is easy to navigate. The insurance company provides 24/7 claims reporting as well. Overall, the carrier does provide a good, user-friendly experience for customers.
Co-op's original focus as an insurance company was on farm coverage. Here are a few specifics about their farm insurance:
- Covers most farming operations, including dairy, horse, poultry, sheep, deer, emu, and tree
- Covers the home, outbuildings, and personal property
- Provides incidental coverage for many losses, such as spoiled milk and natural disasters
- Provides lost income and extra expense coverage
- Offers a zero deductible option
Your independent insurance agent can help you decide if Co-op's farm insurance is right for you.
Co-op has been around for more than a century and has high ratings from AM Best and the BBB. Customer feedback is mostly positive, and the insurance company offers 24/7 claims reporting. So yes, Co-op can be considered a good insurance company.
Co-op's insurance products may be right for farmers, individuals, or professionals in need of various types of coverage. The carrier sells auto insurance, home insurance, farm insurance, business insurance, and more in select states.